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Friday, January 5, 2018

Financial Checklist for the New Year Have you resolved to better manage your finances this year? Here is a list of action items you should consider to start the new year off right. As your trusted advisor, I can play a valuable role as...

 

Tuesday, September 19, 2017

Last week, I wrote in my blog post that credit monitoring company Equifax announced a data breach that occurred on July 29th affecting about 143 million Americans. Here is an excerpt of that post: "Thieves obtained names, addresses,...

 

Friday, September 8, 2017

As many of you are probably aware, credit monitoring company Equifax announced a data breach that occurred on July 29th affecting about 143 million Americans. Thieves obtained names, addresses, dates of birth, and Social Security...

 

Sunday, June 11, 2017

One area where I often see clients struggle is in managing expenses. Many clients simply don’t have a clear picture of how their hard earned money is being spent. Yet this is a critical aspect of being successful at managing your...

 

Monday, June 5, 2017

When a loved one dies, the details that need to be taken care of by survivors may be particularly overwhelming because it is such an emotional time. This checklist is intended to be a reminder of some of the details that may need to be...

 

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Friday, May 26, 2017

"Many people struggle every time they open their mail or email. They ask themselves, "Is this important? Do I need this? Should I keep it? Should I throw it away?" (Source: MFS Heritage Planning) This week, I was introduced to a...

 

Sunday, May 14, 2017

I occasionally come across prospective clients who say to me: I would like to have you help me with my investments but I’m going to work on paying off my home first before I start saving. Their plan is to take as much extra cash...

 

Sunday, April 30, 2017

Market Commentary Stocks US stocks continue to do well on a week to date, year to date, one, three and five year basis as shown below Bonds Bonds have had modest positive returns year to date which is not bad given a rising interest...

 

Saturday, April 8, 2017

Many traditional 401k's in recent years have started to add another option: the Roth 401k. Did you know that there is no income limit on contributions or conversions to Roth 401k's? Some plans now offer an automated Roth Conversion for...

 

Sunday, April 2, 2017

One of the most frequent questions I get is “Am I On Track For Retirement?” While there is no substitute for a personalized financial plan customized to your exact situation, this handy chart from JP Morgan provides a rough...

 

Monday, March 27, 2017

All eyes on health care This week, the US House of Representatives failed to win enough support to pass a bill known as the American Health Care Act. This bill was intended to fulfill a key Trump campaign promise to repeal and replace...

 

Sunday, March 19, 2017

The stock market has experienced a recent bullish rally that started in July, 2016 and our uptrend that started in March 2009 is now the second longest on record. In addition, a recent study has shown that investors in general think...

 

Saturday, March 4, 2017

One of the areas that I get a lot of questions from clients is: “how can I organize my finances so when I pass away, I can smoothly pass my estate to my children?” Similarly, “my parents are getting older and...

 

Sunday, February 19, 2017

Stocks have had a pretty good run since the November election. As you can see from the graphic below, the S&P 500, a measure of the largest 500 publicly traded US stocks, is up 5.32% year to date and 8.07% over the last 13 weeks....

 

Monday, February 6, 2017

As you may have seen in the press on Friday, President Trump issued an executive order for the Department of Labor to review the Fiduciary Rule which was passed into law in 2016. The review may potentially delay the implementation of...

 

Sunday, January 29, 2017

Market Update: While stocks usually follow corporate earnings, a healthy economy is an important component for positive corporate earnings. Said differently, if we want stocks to go up, we need corporate earnings to go up, and...

 

Monday, January 23, 2017

Getting the Most from Your Financial Advisor I have been reflecting lately on how you (the client) can get the most out of your relationship with me (the advisor). First, I think it is important that you know the reason that I became a...

 

Tuesday, January 17, 2017

Recently, I was asked the following question, what are my thoughts on the long term return potential of the US stock market. Here is my answer: It’s a really good question. I included a link below to a 2016 article from...

 

Saturday, December 31, 2016

2016 Year End Review As I reflect back on 2016, there were several themes that factored in to our results: Earnings Election Economy Fed Looking forward to 2017, many of these same themes will be relevant Let’s examine each theme...

 

Sunday, December 18, 2016

Many of us cherish the opportunity to give back to our community. We can volunteer, donate property, and we can make monetary donations to name just a few of the ways we can better the world around us. Volunteering, or donating...

 

Saturday, December 10, 2016

A few weeks ago, I read the following post from Charlie Bilello of Pension Partners and it really resonated with me. Reposted with permission. First, Do No Harm By: Charlie Bilello “It ain’t what you don’t know that...

 

Sunday, December 4, 2016

I get a number of questions from clients about how to save for college, sources of financial aid, and parents wondering if they should apply for financial aid using the FAFSA form. The Free Application for Federal Student Aid (FAFSA)...

 

Saturday, November 26, 2016

Commentary: The US Stock market, as measured by the S&P 500 has been range bound since mid-2014. Below you see a 4 year chart of the S&P 500, an index of the largest 500 publicly traded stocks in the US. With a top around 2125 and a...

 

Monday, November 21, 2016

Commentary: Recession? Not yet. There is a good chance the US Federal reserve will raise short term interest rates at their December meeting. The Fed typically raises short term rates to prevent inflation when the economy starts to...

 

Wednesday, November 9, 2016

Commentary It has been an emotional election season culminating in the surprise victory of Donald Trump as our President elect. Dow futures were initially down 1000 points (over 4%) as the election results rolled in Tuesday evening, to...

 

Saturday, November 5, 2016

Commentary: Stocks have had a difficult couple of weeks. The S&P 500 has now experienced 9 straight daily declines. This is the longest such streak since December 1980. Despite a stronger than expected earnings season, worries over the...

 

Sunday, October 30, 2016

Commentary: Earnings season is in full swing and is really the most important factor affecting stocks. According to FactSet, with 58% of companies in the S&P 500 having reported Q3 earnings so far, 74% have exceeded their mean earnings...

 

Monday, October 24, 2016

Lately, I’ve had a few clients asking about wills. While I am unable to provide legal advice, I often refer clients to an attorney when the topic of estate planning arises. I find many clients don’t have a will and wonder...

 

Sunday, October 16, 2016

Commentary: The narrative remains the same. Markets continue to worry over 4 primary factors: Interest Rates Earnings Oil Prices The election Stocks finished the week down roughly 1% with worries over rising interest rates, weak...

 

Friday, October 7, 2016

Commentary: US Stocks are looking to finish the week roughly flat. The results below are through Thursday’s close and as of this writing, the market is down a fraction. Bonds are looking to finish the week down Below is a very...

 

Sunday, October 2, 2016

There are a number of ways that I strive to help my clients. Core Service - Financial Planning: I am a Certified Financial Planner™ and financial planning is a core service that I provide for clients. My goal is to: Provide peace...

 

Saturday, September 24, 2016

Commentary: Stocks finished the week higher after the US Federal Reserve elected to leave interest rates unchanged at this week's meeting. Bonds also made fractional gains on the week. The Fed hinted that rates will rise in December...

 

Saturday, September 17, 2016

Commentary: The US stock market managed to finish a volatile week up a fraction. Year to date, the S&P 500 which is an index of the largest 500 publicly traded stocks in the US is still up 6.34%. Bonds as measured by the Barclays...

 

Friday, September 9, 2016

One area of financial planning that may be a source of confusion for clients is prioritizing different goals. An individual or family earns a certain amount of income and may have difficulty deciding how to allocate that income against...

 

Friday, September 2, 2016

Markets have had a lot to think about lately and we've seen some sideways choppy results over the last few weeks. I think it is important to focus on long term goals as nearly anything can happen with stocks in any given month, quarter...

 

Sunday, August 14, 2016

Commentary: For some time now, the market has been in a choppy, sideways trend. Below you see a 5 year chart of the S&P 500, which is in index of the largest 500 US stocks. I have drawn two lines to emphasize a top and bottom of the...

 

Friday, August 5, 2016

Commentary: The big news for this week was a surge in payrolls for July which exceeded the highest of economists’ forecasts. Headline unemployment held steady at 4.9% and the labor participation rate inched higher to 62.8% of the...

 

Saturday, July 30, 2016

Commentary: US Stocks, as measured by the S&P 500 as well as the Dow Jones Industrial average, broke a four week streak of positive returns this past week with a fractional decline. The S&P 500 was down -0.05% and the Dow was down -0...

 

Friday, July 22, 2016

Commentary: The S&P 500 closed at a new record high on Friday as stocks rallied for a fourth week. The S&P 500 is still up over 7% year to date and medium sized companies as measured by the S&P Midcap 400 index are now up over 11% year...

 

Friday, July 15, 2016

Commentary: The S&P 500, a measure of stock prices for the largest 500 US companies set a new all-time high this week. From a technical standpoint, this is fairly exciting since we have been stuck in a choppy range bound pattern for...

 

Friday, July 8, 2016

Commentary: Following the shock and uncertainty of Britain’s exit of the European Union, stocks staged a dramatic selloff over just two trading days only to be followed by an equally dramatic recovery. As you can see from the one...

 

Saturday, July 2, 2016

Commentary: Stocks move up and down based on supply and demand. Normally, the number of shares of any one stock (supply) is fixed. With the number of shares held constant, the price of a stock goes up when demand increases and the...

 

Friday, June 24, 2016

Commentary: In last week’s update, I wrote the following: The market then turned its attention to a referendum vote on June 23rd regarding whether the UK will remain in the European Union. Should Britain exit (a.k.a...

 

Saturday, June 18, 2016

Commentary: As widely expected, the US Federal Reserve left interest rates unchanged at their meeting June 14-15. The odds of a rate increase fell dramatically in recent weeks after a weak May employment report showing a decline in...

 

Saturday, June 11, 2016

If you have financial goals, you should have a written financial plan. Here are a few questions I like to ask... Does the client have an emergency fund? How is it invested? Is the client a spender or a saver? Start by creating a budget...

 

Saturday, June 4, 2016

Commentary: This week, the market continued to focus on the US Federal Reserve and its next meeting taking place June 14-15. The odds of an interest rate hike were increasing until we got Friday’s employment report which showed...

 

Friday, May 27, 2016

Commentary: Earnings season is basically complete with 98% of companies in the S&P 500 reporting earnings for Q1 2016. 72% have reported earnings above the mean estimate and 53% have reported revenues above the mean estimate. For Q1,...

 

Sunday, May 22, 2016

Commentary: Earnings season is basically complete with 95% of companies in the S&P 500 reporting earnings for Q1 2016. 71% have reported earnings above the mean estimate and 53% have reported revenues above the...

 

Thursday, October 1, 2015

Should you shift assets to life insurance to qualify for financial aid?I have recently spoken to several clients and friends who have gone to see a college planner. The college planner has suggested shifting assets out of 529 college...

 

Thursday, November 20, 2014

Many investors do not have a process for building a growth portfolio. This article addresses common steps for growth portfolio construction.

 

Tuesday, April 1, 2014

A restricted stock unit (RSU) is a form of executive compensation valued the same as the company's stock. There are 3 important dates associated with an RSU: Grant, vest, and sale. Grant: When RSU's are granted, no shares are issued or...